Individual Policies
Coverage That Fits Your Life
No employer plan? No problem.
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Personal Coverage for Every Stage
If you’re self-employed, in between jobs, retired early, or simply looking for your own coverage, you’re not alone. Individual health insurance helps you stay protected without relying on a group or employer plan. But with marketplace options, private insurers, and various networks, it can be hard to know what fits best. That’s where we come in—offering honest, one-on-one guidance to help you find the plan that works for your life.
Preventive Care
Includes annual wellness visits, screenings, and vaccinations—usually covered at no cost to help you stay healthy.
Doctor Visits
Covers in-network primary care and specialist appointments, often with predictable copays or cost-sharing after the deductible.
Emergency Services
Helps with costs from ER visits, ambulance rides, and urgent care when unexpected health issues arise.
Prescription Medications
Covers common and specialty medications through a tiered list—helping you manage costs with or without pharmacy benefits.
Mental Health Services
Many plans now include therapy, behavioral health, and substance use treatment to support emotional well-being.
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We Help You Navigate It All
Plans, providers, premiums—we’ll make it simple.
From understanding Bronze, Silver, and Gold tiers to comparing deductibles and provider networks, we’ll explain it all in plain English. We can help you estimate your eligibility for ACA subsidies, confirm your doctor and medications are covered, and compare both marketplace and private plans. We also walk through alternatives like COBRA or short-term plans if you’re between coverage. Our goal is to help you make a decision you feel good about—not rushed into.
Individual Coverage FAQs
Can I get health insurance outside of open enrollment?
Yes, but only if you qualify for a Special Enrollment Period due to a life event such as losing job-based coverage, getting married, having a baby, or moving. These events open a 60-day window where you can enroll or change your plan. If you don’t qualify, you may be able to apply for a short-term plan to bridge the gap. We’ll help you explore every option to make sure you’re not left uninsured.
Will I qualify for a government subsidy?
If your income falls within the federal guidelines, you may qualify for premium tax credits through the Health Insurance Marketplace. These subsidies can lower your monthly premium significantly and are based on your income, family size, and location. We’ll help you calculate your eligibility, complete the application, and ensure you don’t overpay. Even if you think you earn too much, it’s worth checking—many people qualify without realizing it.
How do I know if my doctor is covered?
We’ll verify that your current doctors are in-network with any plan we review. Keeping your established providers is often a priority, and network access varies by plan type and carrier. We also check your local hospitals and specialists if you have specific care needs. With our help, you’ll avoid surprises and stay connected to the care you trust.
What’s the difference between marketplace and private plans?
Marketplace plans are ACA-compliant and may offer income-based subsidies, while private plans come directly from insurers and may offer broader or more tailored options. Private plans don’t qualify for subsidies, but can be a good fit for those who prefer specific networks or benefits. We compare both options side by side so you understand coverage, cost, and flexibility. The right choice depends on your medical needs, doctor access, and budget.
Can I cancel or change my plan later?
Most ACA plans can only be changed during Open Enrollment or if you qualify for a Special Enrollment Period. However, private or short-term plans may allow more flexibility depending on the provider. If your circumstances change—like income, marital status, or residence—we’ll review your eligibility to adjust your plan. We’re here year-round to help you keep coverage that stays current with your life.
